2008 IOGA Employee Benefits Program
The Independent Oil and Gas
Association of West Virginia, Inc. (IOGA),
offers what is considered the premier
association health insurance program in West
Virginia. The IOGA program is presented
through a successful partnership with
Mountain State Blue Cross Blue Shield
(MSBCBS) and Wells Fargo Insurance
Services of West Virginia, Inc. and has
become the largest fully insured policyholder
of MSBCBS.
The stability of the plan allows our
members to focus more on their business,
since all services are provided by IOGA, Wells
Fargo Insurance Services and MSBCBS.
Plan features offer availability to groups
of one or more; competitive rates; reduced
employer risk exposure, multiple plan
options; tiered rates; and outstanding
customer service.
IOGA membership is one of the
qualifications for the insurance program. For
more information about this program, contact
Lori Miller of IOGA at lmiller@iogawv.com
or 304.344.9867 or Pete Thackston of Wells
Fargo Insurance Services at 800.322.2381.
All new groups applying for coverage are
initially medically underwritten and therefore
can be declined for acceptance into the plan
by MSBCBS.
The IOGA insurance plan also provides
a dental program through United Concordia, a
subsidiary of Blue Cross Blue Shield of
Pennsylvania, and life insurance and shortterm
disability coverages through Fort Dearborn
Life Insurance Company.
About IOGA-WV
Formed in 1959, the Independent Oil and
Gas Association of West Virginia, Inc., is a
statewide not for profit corporation that
represents oil and natural gas producers and
the companies and individuals who support
production activities. IOGA-WV, the state’s
largest and most respected oil and gas
association, has nearly 400 company members
who are active not only in West Virginia, but
also in other states. IOGA-WV was formed to
promote and protect a strong, competitive
and capable independent natural gas and oil
producing industry in West Virginia.
Health Plan Options
Super Blue 100 90/70
- $100 (x2) Deductible
- 90/10 In-Network Co-Insurance
- $600/$1200 Maximum Out-of-Pocket
- $15 Physician Office Co-Pay
- 100% Coverage With $50 Co-Pay in Accident/Emergency
- 100% Preventive Coverage for Certain Services
- Prescription Drug Card with Mail Order Benefit
Super Blue 250 90/70
- $250 (x2) Deductible
- 90/10 In-Network Co-Insurance
- $750/$1500 Maximum Out-of-Pocket
- $15 Physician Office Co-Pay
- 100% Coverage With $50 Co-Pay in Accident/Emergency
- 100% Preventive Coverage for Certain Services
- Prescription Drug Card with Mail Order Benefit
Super Blue 500 90/70
- $500 (x2) Deductible
- 90/10 In-Network Co-Insurance
- $1000/$2000 Maximum Out-of-Pocket
- $15 Physician Office Co-Pay
- 100% Coverage With $50 Co-Pay in Accident/Emergency
- 100% Preventive Coverage for Certain Services
- Prescription Drug Card with Mail Order Benefit
Super Blue 1000 90/70
- $1000 (x2) Deductible
- 90/10 In-Network Co-Insurance
- $1500/$3000 Maximum Out-of-Pocket
- $15 Physician Office Co-Pay
- 100% Coverage With $50 Co-Pay in Accident/Emergency
- 100% Preventive Coverage for Certain Services
- Prescription Drug Card with Mail Order Benefit
Super Blue 1500 90/70
- $1500 (x2) Deductible
- 90/10 In-Network Co-Insurance
- $2000/$4000 Maximum Out-of-Pocket
- $15 Physician Office Co-Pay
- 100% Coverage With $50 Co-Pay in Accident/Emergency
- 100% Preventive Coverage for Certain Services
- Prescription Drug Card with Mail Order Benefit
Super Blue 2000 90/70
- $2000 (x2) Deductible
- 90/10 In-Network Co-Insurance
- $2500/$5000 Maximum Out-of-Pocket
- $15 Physician Office Co-Pay
- 100% Coverage With $50 Co-Pay in Accident/Emergency
- 100% Preventive Coverage for Certain Services
- Prescription Drug Card with Mail Order Benefit
Super Blue 250 80/60
- $250 (x2) Deductible
- 80/20 In-Network Co-Insurance
- $1250/$2500 Maximum Out-of-Pocket
- $25 Physician Office Co-Pay
- 100% Coverage With $50 Co-Pay in Accident/Emergency
- 100% Preventive Coverage for Certain Services
- Prescription Drug Card with Mail Order Benefit
Super Blue 500 80/60
- $500 (x2) Deductible
- 80/20 In-Network Co-Insurance
- $1500/$3000 Maximum Out-of-Pocket
- $25 Physician Office Co-Pay
- 100% Coverage With $50 Co-Pay in Accident/Emergency
- 100% Preventive Coverage for Certain Services
- Prescription Drug Card with Mail Order Benefit
Super Blue 1000 80/60
- $1000 (x2) Deductible
- 80/20 In-Network Co-Insurance
- $2000/$4000 Maximum Out-of-Pocket
- $25 Physician Office Co-Pay
- 100% Coverage With $50 Co-Pay in Accident/Emergency
- 100% Preventive Coverage for Certain Services
- Prescription Drug Card with Mail Order Benefit
Super Blue 1500 80/60
- $1500 (x2) Deductible
- 80/20 In-Network Co-Insurance
- $2500/$5000 Maximum Out-of-Pocket
- $25 Physician Office Co-Pay
- 100% Coverage With $50 Co-Pay in Accident/Emergency
- 100% Preventive Coverage for Certain Services
- Prescription Drug Card with Mail Order Benefit
Super Blue 2000 80/60
- $2000 (x2) Deductible
- 80/20 In-Network Co-Insurance
- $3000/$6000 Maximum Out-of-Pocket
- $25 Physician Office Co-Pay
- 100% Coverage With $50 Co-Pay in Accident/Emergency
- 100% Preventive Coverage for Certain Services
- Prescription Drug Card with Mail Order Benefit
Dental Insurance
- 100% Preventive
- $50 (x3) Deductible for
- 80% Basic
- 50% for Major and Orthodontic
Term Life Insurance Options
- $15,000 Term Life Insurance
- $25,000 Term Life Insurance
- $50,000 Term Life Insurance
Short-Term Disability Insurance
- First day accident, eighth day illness and twenty-six weeks of benefits
- $150 per week benefit
- $250 per week benefit
- $300 per week benefit
Competitive Rates and Reduced Risk Exposure
Combining our member companies into
one large group provides the opportunity for
competitive rates and reduces risk exposure to
these groups by becoming a large pool.
The IOGA-WV health plan has become
Mountain State Blue Cross Blue Shield’s
largest fully insured plan of more than 1000
employees and $8.5 million in annual
premium.
Nationwide access to all Blue Cross Blue Shield association PPO providers.
2008 IOGA-WV Insurance Monthly Premiums
(Rates effective 01/01/08 - 12/31/08)
HEALTH
| |
Single |
Emp / Spouse |
Emp / Child(ren) |
Family |
SB 100
90/70 |
$445.92 |
$918.54 |
$668.83 |
$1328.73 |
SB 250
90/70 |
$426.25 |
$878.03 |
$639.33 |
$1270.21 |
SB 250
80/60 |
$407.11 |
$838.53 |
$610.56 |
$1213.05 |
SB 500
90/70 |
$392.38 |
$808.31 |
$588.55 |
$1169.26 |
SB 500
80/60 |
$378.45 |
$779.55 |
$567.63 |
$1127.69 |
SB 1000
90/70 |
$361.05 |
$743.48 |
$541.52 |
$1075.82 |
SB 1000
80/60 |
$344.24 |
$709.06 |
$516.30 |
$1025.76 |
SB 1500
90/70 |
$339.39 |
$699.07 |
$509.03 |
$1011.27 |
SB 1500
80/60 |
$323.58 |
$687.19 |
$485.33 |
$964.21 |
SB 2000
90/70 |
$312.60 |
$643.71 |
$468.89 |
$931.98 |
SB 2000
80/60 |
$301.01 |
$619.39 |
$451.53 |
$897.25 |
DENTAL
| Single |
Emp / Spouse |
Emp / Child |
Emp / Children |
Family |
| $20.68 |
$43.36 |
$43.36 |
$66.49 |
$66.49 |
SHORT TERM DISABILITY
| $ 150 / week |
$12.00 |
| $ 250 / week |
$20.00 |
| $ 300 / week |
$24.00 |
LIFE
| $15,000 |
$8.40 |
| $25,000 |
$14.00 |
| $50,000 |
$28.00 |
For more information please contact:
Lori Miller 877.898.4642 or
Pete Thackston 800.322.2381
